AIT Financial Solutions (UK) LTD

Individual mortgages for individual people

Our Services

Planning For Your Future

It is our aim to ensure that you have the best possible independent advice when planning your financial future.

Milestones In Life

There are so many issues to consider when planning ones financial future such as:

  • Birth
  • Starting school
  • University or College
  • Starting work
  • Change of job
  • First home
  • Getting Married
  • Starting a Family
  • Moving house
  • Redundancy
  • Starting your own business
  • Unexpected win fall
  • Divorce
  • Illness
  • Retirement
  • Death

As our personal circumstances change it is essential to under take a review of your financial position in order to accommodate all your current and future needs.

Pension Planning

  • Personal pensions
  • Company pension schemes
  • Stake holder pension schemes
  • Self administered pension schemes

Investment Planning and Management

  • Investing for growth and income
  • Investing for growth and or income through ISA’s, Unit Trusts, Bonds, Stocks and Shares

Life Assurance

  • Family protection
  • Mortgage protection
  • Loan protection
  • Business protection

Income Protection

Replacement of income in the event of sickness, accident, disability and unemployment

Critical Illness Protection

Provides a cash lump sum in the event of diagnoses or a serious illness such as Cancer, Stroke, Heart Attack and total and permanent disability.

Business and Key Person Protection

To protect a business from the affects of losing a key director or employee through death or illness.

Saving Plans

Plan now for future expenses such as:

  • Children’s education
  • Weddings
  • Significant birthdays
  • Deposit on first home

Life Assurance

Depending on your needs life assurance is more of a flexible friend than you may think.

From protecting liability such as loans and mortgages through to guaranteeing the financial future of you, your partner or your family.

Term Assurance

In simple terms in exchange for your premium the life assurance provider will agree to pay out a certain sum if the life assured dies before a certain date.

This form of protection is the most cost effective pay of providing life assurance.

Whole of Life

As the name implies these policies are open ended and will provide a cash sum on death irrespective of when death occurs.

Generally speaking Whole of Life policies cost more than Term Assurance and they also have the potential to build up a small cash sum.

Health Insurance

Health and Medical Insurances

Life is al about making choices and having money available to you whatever life’s ups and downs bring you leaves you free to make your choices without financial restrictions.

Income Protection

If illness or accident stop you from working the financial implications to you and or your family can be catastrophic.

Income Protection Insurance provides you with an income if you are unable to work, and therefore earn due to illness or injury.

Critical Illness

A serious illness such as Stroke, Cancer or Heart Attack apart from the personal trauma concerned can have a serious impact on your financial life.

Critical illness insurance provides a lump sum of money in the event of diagnosis of a serious illness allowing you to make plans for your future unencumbered by financial burden.

Private Medical Insurance

Giving and or your family the ability to be treated privately and expediently without have to join any chess hospital queues.

PMI is complicated and we can guide you through the maize of different offerings on the market.

Pensions

Is The Prospect On Living On Approximately £100 Per Week When You Retire Appeals The You Need Read No Further?

Stake Holder Pension

Since the introduction of Stake Holder Pension in 2001 there are now plenty of low cost pension option to enable most people, especially thoughs on lower incomes (even thoughs who are not working) to set aside funds for when they retirement.

Personal Pensions

Where company pensions schemes are unavailable or for thoughs who are self employed making provision for your retirement is an essential part of financial planning.

Remember there is no other investment you can make which will give you 22% or 40% tax relief depending on the highest rate of tax you pay.

Occupational Schemes

Company pensions are set up by employers for their staff. They can be Final Salary or Money Purchase schemes, either the employer or the employee or both contribute to the scheme on a monthly basis. When the employee retires he or she receives a tax free lump sum and a pension based upon the number of year over which his or hers contributions have been made.

Investments

Savings and Investments

There are so many different types of savings and financial investments that it is wise to seek advice.

National Savings Products

When investment returns or not necessarily spectacular and sum involve tying your money up for long periods of time, there are never the less stable and in some cases tax free.

These can include national savings bank accounts and savings certificates and various forms of savings and income bonds.

Individual Savings Accounts (ISA’s)

ISA’s represent a tax efficient vehicle into which you can invest cash savings and invest in equity’s and insurance policies.

Taxation

Taxing Questions

Most of us risk being taxed on our income, our capital gains and the value of our estate when we die. We can help you get a clear grasp of how these taxes work and then discuss the most tax efficient way of mitigating these bills.

We will look at ways of helping you reduce your taxation on the following :-

  • Income tax
  • Capital gains tax
  • Inheritance tax

Call us free on 0800 587 6610